Addison, IL vs Effingham, IL

The cost of living difference between Addison, IL and Effingham, IL is dramatic. Effingham is 45.5% cheaper than Addison, a gap that translates to thousands of dollars per year in household expenses. Addison has a cost index of 99 while Effingham sits at 68, making this one of the more striking comparisons on our site. Relocating between these cities would require a serious reassessment of budget and lifestyle expectations.

On the housing front, median rent in Addison is $1,238/month compared to $696/month in Effingham — a 78% difference. Home values follow the same pattern: Effingham is more affordable at $166,700 median vs $318,000.

Median household income in Addison is $87,587 compared to $65,718 in Effingham (+33.3%). The higher salaries in Addison partially offset the cost difference, but don't fully close the gap. Looking at affordability, residents of Addison spend roughly 17% of their income on rent, more than the 12.7% in Effingham.